Briefly explain whether the following would qualify as insured persons under the Homeowners Basic Form. a) An old friend of the family who lives with the insured. b) The common law wife who has been living with the insured for two years. c) The girlfriend of the insured, who has been living with him and their son for over one year. d) The 16-year-old son of a deceased friend who lives with the insured. e) The 17-year-old son of the insured while at the boarding school where he studies